In the second-hand housing transaction, there are many matters needing attention, such as: property rights, huxing, property and so on.
Second-hand housing transfer process:
1. The buyer and the seller shall go through the relevant formalities at the selected intermediary company, register and pay the down payment. Contract processing is the premise;
2. After the previous procedures are completed, the intermediary company begins to handle the loan procedures for the buyer in the relevant bank. The loan application time is relatively strict, and the time is mostly half a month. Of course, every region is different. Finally, after the bank has passed the examination and approved the issuance, it will begin to handle the transfer procedures;
3. According to the requirements of property right transfer registration, the buyer and the seller need to prepare the information needed for the transfer to the property right registration center;
4. The people of the intermediary company bring the buyers and sellers and relevant materials to the local taxation bureau for tax verification, and the local taxation bureau issues tax receipts;
5. Return to the trading center, submit the deed tax, business tax receipts and all the documents required for the transfer of ownership by both parties, fill in the Application Form for Registration of House Ownership Transfer, receive the acceptance notice, and pay the house stamp duty at the same time;
6. The waiting time is basically no problem. By the way, you can know some expenses, such as water, electricity, gas and cable TV. And make a final inspection of the furniture.
7.20 working days later (the time may be different in each region), go to the trading center to get the real estate license. At this time, the bank will also issue a notice that the buyer is ready to start mortgage payment.
Matters needing attention in the transfer of second-hand houses:
1, verify whether the property rights are clear.
The seller must be the owner of the house, which can be verified by checking the property right certificate and the property owner's ID card. Only by doing this can we prevent the occurrence of invalid sales contracts or contract fraud, otherwise, disputes are inevitable;
2. It is necessary to pay the house payment as much as possible after the transfer of property rights, or the house payment can be paid in escrow to minimize the risk; The buyer and the seller must go through the formalities of property right transfer at the real estate trading place designated by the government, pay all kinds of transaction fees according to state regulations, and receive the property right certificate issued by the government. The buyer and the seller can pay the money in one hand and hand over the house in the other (referring to the property right certificate);
3. Be sure to check the payment and settlement of public maintenance funds, property fees and other expenses, and implement relevant procedures such as transfer to determine whether it will have an impact on future life;
4. It is necessary to clarify the taxes and fees involved in the transfer and the number of buyers. The buyer should determine the owner registered on the property certificate after the transfer, so as to avoid the situation that the family members change after signing the contract and then consider changing or adding or subtracting the owner of the house.